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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $133,658 | $93,617+42.8% | $135,982-1.7% | $75,177+77.8% |
| Participation rate | 96.9% | 75.2%+21.7pp | 81.9%+15.0pp | 67.2%+29.7pp |
| Annual return | 18.34% | 30.89%-12.5pp | 68.32%-50.0pp | 160.75%-142.4pp |
| Employer contribution / active EE | $2,777 | $3,538-21.5% | $4,859-42.8% | $2,671+4.0% |
| Participant deferral / active EE | $7,003 | $6,406+9.3% | $7,760-9.8% | $4,126+69.7% |
| Admin fee / account holder | $5,368 | $6,980-23.1% | $10,767-50.1% | $5,651-5.0% |